Report cover image

Financial Cards and Payments in Australia

Publisher Euromonitor International
Published Jan 14, 2026
Length 60 Pages
SKU # EP20773189

Description

Transactions and the number of cards in circulation in Australia increased in 2025, as debit cards become the preferred payment method and cash payments declined post-pandemic. Meanwhile, credit card use is declining as local consumers increasingly prefer lower-risk options, such as Buy Now, Pay Later.

Euromonitor International's Financial Cards and Payments in Australia report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Financial Cards in Circulation, Mobile Payments, Transactions.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?
* Get a detailed picture of the Financial Cards and Payments market;
* Pinpoint growth sectors and identify factors driving change;
* Understand the competitive environment, the market’s major players and leading brands;
* Use five-year forecasts to assess how the market is predicted to develop.

Table of Contents

60 Pages
Financial Cards and Payments in Australia
Euromonitor International
January 2026
List Of Contents And Tables
FINANCIAL CARDS AND PAYMENTS IN AUSTRALIA
EXECUTIVE SUMMARY
BNPL poses challenge to credit cards
KEY DATA FINDINGS
INDUSTRY PERFORMANCE
Steady flow of new debit cards offsets decline in cards in circulation in other categories
Cautious consumer behaviour impacts overall spending
Increasing proportion of consumers make remote card payments
WHAT’S NEXT?
Debit cards will remain a key payment method in the years ahead
Cash payments will likely continue to decline
Ban on card surcharges on the horizon
COMPETITIVE LANDSCAPE
‘Big Four’ banks maintain their dominance in 2025
Visa remains the largest issuer, but Qantas sees rapid growth
MARKET INDICATORS
Table 1 Number of POS Terminals: Units 2020-2025
Table 2 Number of ATMs: Units 2020-2025
Table 3 Value Lost to Fraud 2020-2025
Table 4 Card Expenditure by Location 2025
Table 5 Financial Cards in Circulation by Type: % Number of Cards 2020-2025
Table 6 Domestic versus Foreign Spend 2025
MARKET DATA
Table 7 Financial Cards by Category: Number of Cards in Circulation 2020-2025
Table 8 Financial Cards by Category: Number of Accounts 2020-2025
Table 9 Financial Cards Transactions by Category: Value 2020-2025
Table 10 Financial Cards by Category: Number of Transactions 2020-2025
Table 11 Consumer Payments by Category: Value 2020-2025
Table 12 Consumer Payments by Category: Number of Transactions 2020-2025
Table 13 M-Commerce by Category: Value 2020-2025
Table 14 M-Commerce by Category: % Value Growth 2020-2025
Table 15 Financial Cards: Number of Cards by Issuer 2020-2024
Table 16 Financial Cards: Number of Cards by Operator 2020-2024
Table 17 Financial Cards: Card Payment Transactions Value by Operator 2020-2024
Table 18 Financial Cards: Card Payment Transactions Value by Issuer 2020-2024
Table 19 Forecast Financial Cards by Category: Number of Cards in Circulation 2025-2030
Table 20 Forecast Financial Cards by Category: Number of Accounts 2025-2030
Table 21 Forecast Financial Cards Transactions by Category: Value 2025-2030
Table 22 Forecast Financial Cards by Category: Number of Transactions 2025-2030
Table 23 Forecast Consumer Payments by Category: Value 2025-2030
Table 24 Forecast Consumer Payments by Category: Number of Transactions 2025-2030
Table 25 Forecast M-Commerce by Category: Value 2025-2030
Table 26 Forecast M-Commerce by Category: % Value Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
SOURCES
Summary 1 Research Sources
DEBIT CARDS IN AUSTRALIA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Debit cards benefit from being seen as low risk
INDUSTRY PERFORMANCE
Debit cards continue to experience an increase in usage as a key payment method
Move towards cashless society benefits debit cards in particular
WHAT’S NEXT?
Debit card usage expected to see growth, with consumer spending forecast to increase
Reserve Bank of Australia recommends removal of surcharges on card payments
Feature-focused innovation to remain the focus of major banks
COMPETITIVE LANDSCAPE
Major banks continue to consolidate position by focusing on consumer needs
Mastercard debit cards enjoys growth in 2025
CATEGORY DATA
Table 27 Debit Cards: Number of Cards in Circulation 2020-2025
Table 28 Debit Cards Transactions 2020-2025
Table 29 Debit Cards in Circulation: % Growth 2020-2025
Table 30 Debit Cards Transactions: % Growth 2020-2025
Table 31 Debit Cards: Number of Cards by Issuer 2020-2024
Table 32 Debit Cards: Number of Cards by Operator 2020-2024
Table 33 Debit Cards Payment Transaction Value by Issuer 2020-2024
Table 34 Debit Cards Payment Transaction Value by Operator 2020-2024
Table 35 Forecast Debit Cards: Number of Cards in Circulation 2025-2030
Table 36 Forecast Debit Cards Transactions 2025-2030
Table 37 Forecast Debit Cards in Circulation: % Growth 2025-2030
Table 38 Forecast Debit Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
CREDIT CARDS IN AUSTRALIA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Rewards and loyalty programs used to drive growth
INDUSTRY PERFORMANCE
Credit card usage continues to grow despite declining number of issued cards
Major players leverage strong position despite growth of American Express
WHAT’S NEXT?
Credit cards in circulation set to continue dwindling as younger consumers avoid perceived debt traps
Australia’s central bank calls for the removal of card payment surcharging
Travel-focused benefits set to continue driving success of American Express in Australia
COMPETITIVE LANDSCAPE
American Express has limited reach in Australia
CBA credit card issue sees increase in 2025
CATEGORY DATA
Table 39 Credit Cards: Number of Cards in Circulation 2020-2025
Table 40 Credit Cards Transactions 2020-2025
Table 41 Credit Cards in Circulation: % Growth 2020-2025
Table 42 Credit Cards Transactions: % Growth 2020-2025
Table 43 Commercial Credit Cards: Number of Cards in Circulation 2020-2025
Table 44 Commercial Credit Cards Transactions 2020-2025
Table 45 Commercial Credit Cards in Circulation: % Growth 2020-2025
Table 46 Commercial Credit Cards Transactions: % Growth 2020-2025
Table 47 Personal Credit Cards: Number of Cards in Circulation 2020-2025
Table 48 Personal Credit Cards Transactions 2020-2025
Table 49 Personal Credit Cards in Circulation: % Growth 2020-2025
Table 50 Personal Credit Cards Transactions: % Growth 2020-2025
Table 51 Credit Cards: Number of Cards by Issuer 2020-2024
Table 52 Credit Cards: Number of Cards by Operator 2020-2024
Table 53 Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 54 Credit Cards Payment Transaction Value by Operator 2020-2024
Table 55 Commercial Credit Cards: Number of Cards by Issuer 2020-2024
Table 56 Commercial Credit Cards: Number of Cards by Operator 2020-2024
Table 57 Commercial Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 58 Commercial Credit Cards Payment Transaction Value by Operator 2020-2024
Table 59 Personal Credit Cards: Number of Cards by Issuer 2020-2024
Table 60 Personal Credit Cards: Number of Cards by Operator 2020-2024
Table 61 Personal Credit Cards Payment Transaction Value by Issuer 2020-2024
Table 62 Personal Credit Cards Payment Transaction Value by Operator 2020-2024
Table 63 Forecast Credit Cards: Number of Cards in Circulation 2025-2030
Table 64 Forecast Credit Cards Transactions 2025-2030
Table 65 Forecast Credit Cards in Circulation: % Growth 2025-2030
Table 66 Forecast Credit Cards Transactions: % Growth 2025-2030
Table 67 Forecast Commercial Credit Cards: Number of Cards in Circulation 2025-2030
Table 68 Forecast Commercial Credit Cards Transactions 2025-2030
Table 69 Forecast Commercial Credit Cards in Circulation: % Growth 2025-2030
Table 70 Forecast Commercial Credit Cards Transactions: % Growth 2025-2030
Table 71 Forecast Personal Credit Cards: Number of Cards in Circulation 2025-2030
Table 72 Forecast Personal Credit Cards Transactions 2025-2030
Table 73 Forecast Personal Credit Cards in Circulation: % Growth 2025-2030
Table 74 Forecast Personal Credit Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
CHARGE CARDS IN AUSTRALIA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Lack of interest and high spending limits attract business users
INDUSTRY PERFORMANCE
Declining number of cards in circulation in 2025
Transactions increase thanks to interest-free higher spending limits
WHAT’S NEXT?
Unique positioning of charge cards will ensure steady growth over the forecast period
Central bank contemplating removal of card payment surcharges
Diner’s Club exit highlights challenging conditions for new products
COMPETITIVE LANDSCAPE
American Express is the primary operator and issuer after Diner’s Club's exit
Charge cards is mature with no competition and limited innovation
CATEGORY DATA
Table 75 Charge Cards: Number of Cards in Circulation 2020-2025
Table 76 Charge Cards Transactions 2020-2025
Table 77 Charge Cards in Circulation: % Growth 2020-2025
Table 78 Charge Cards Transactions: % Growth 2020-2025
Table 79 Commercial Charge Cards: Number of Cards in Circulation 2020-2025
Table 80 Commercial Charge Cards Transactions 2020-2025
Table 81 Commercial Charge Cards in Circulation: % Growth 2020-2025
Table 82 Commercial Charge Cards Transactions: % Growth 2020-2025
Table 83 Personal Charge Cards: Number of Cards in Circulation 2020-2025
Table 84 Personal Charge Cards Transactions 2020-2025
Table 85 Personal Charge Cards in Circulation: % Growth 2020-2025
Table 86 Personal Charge Cards Transactions: % Growth 2020-2025
Table 87 Charge Cards: Number of Cards by Issuer 2020-2024
Table 88 Charge Cards: Number of Cards by Operator 2020-2024
Table 89 Charge Cards Payment Transaction Value by Issuer 2020-2024
Table 90 Charge Cards Payment Transaction Value by Operator 2020-2024
Table 91 Commercial Charge Cards: Number of Cards by Issuer 2020-2024
Table 92 Commercial Charge Cards: Number of Cards by Operator 2020-2024
Table 93 Commercial Charge Cards Payment Transaction Value by Issuer 2020-2024
Table 94 Commercial Charge Cards Payment Transaction Value by Operator 2020-2024
Table 95 Personal Charge Cards: Number of Cards by Issuer 2020-2024
Table 96 Personal Charge Cards: Number of Cards by Operator 2020-2024
Table 97 Personal Charge Cards Transaction Value by Issuer 2020-2024
Table 98 Personal Charge Cards Transaction Value by Operator 2020-2024
Table 99 Forecast Charge Cards: Number of Cards in Circulation 2025-2030
Table 100 Forecast Charge Cards Transactions 2025-2030
Table 101 Forecast Charge Cards in Circulation: % Growth 2025-2030
Table 102 Forecast Charge Cards Transactions: % Growth 2025-2030
Table 103 Forecast Commercial Charge Cards: Number of Cards in Circulation 2025-2030
Table 104 Forecast Commercial Charge Cards Transactions 2025-2030
Table 105 Forecast Commercial Charge Cards in Circulation: % Growth 2025-2030
Table 106 Forecast Commercial Charge Cards Transactions: % Growth 2025-2030
Table 107 Forecast Personal Charge Cards: Number of Cards in Circulation 2025-2030
Table 108 Forecast Personal Charge Cards Transactions 2025-2030
Table 109 Forecast Personal Charge Cards in Circulation: % Growth 2025-2030
Table 110 Forecast Personal Charge Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER
PRE-PAID CARDS IN AUSTRALIA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Gifting and public transportation use boost card numbers
INDUSTRY PERFORMANCE
Pre-paid cards maintain steady growth with high usage of gift cards and travel cards
Transactions increase in 2025 in both open- and closed-loop pre-paid cards
WHAT’S NEXT?
Positive forecast with consumer habits expected to remain consistent
State governments to roll out bank card payment options for public transportation
Competitive landscape of pre-paid travel cards limited for new players
COMPETITIVE LANDSCAPE
Spending on gift cards and travel cards driving brand performance
CBA gains by offering pre-paid travel card with numerous benefits
CATEGORY DATA
Table 111 Pre-paid Cards: Number of Cards in Circulation 2020-2025
Table 112 Pre-paid Cards Transactions 2020-2025
Table 113 Pre-paid Cards in Circulation: % Growth 2020-2025
Table 114 Pre-paid Cards Transactions: % Growth 2020-2025
Table 115 Closed Loop Pre-paid Cards Transactions 2020-2025
Table 116 Closed Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 117 Open Loop Pre-paid Cards Transactions 2020-2025
Table 118 Open Loop Pre-paid Cards Transactions: % Growth 2020-2025
Table 119 Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 120 Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 121 Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 122 Pre-paid Cards Transaction Value by Operator 2020-2024
Table 123 Closed Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 124 Closed Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 125 Closed Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 126 Closed Loop Pre-paid Cards Transaction Value by Operator 2020-2024
Table 127 Open Loop Pre-paid Cards: Number of Cards by Issuer 2020-2024
Table 128 Open Loop Pre-paid Cards: Number of Cards by Operator 2020-2024
Table 129 Open Loop Pre-paid Cards Transaction Value by Issuer 2020-2024
Table 130 Open Loop Pre-paid Cards Transaction Value by Operator 2020-2024
Table 131 Forecast Pre-paid Cards: Number of Cards in Circulation 2025-2030
Table 132 Forecast Pre-paid Cards Transactions 2025-2030
Table 133 Forecast Pre-paid Cards in Circulation: % Growth 2025-2030
Table 134 Forecast Pre-paid Cards Transactions: % Growth 2025-2030
Table 135 Forecast Closed Loop Pre-paid Cards Transactions 2025-2030
Table 136 Forecast Closed Loop Pre-paid Cards Transactions: % Growth 2025-2030
Table 137 Forecast Open Loop Pre-paid Cards Transactions 2025-2030
Table 138 Forecast Open Loop Pre-paid Cards Transactions: % Growth 2025-2030
STORE CARDS IN AUSTRALIA
KEY DATA FINDINGS
2025 DEVELOPMENTS
Fuel cards offer bright spot
INDUSTRY PERFORMANCE
Steady usage of store cards among existing users despite decline in cards issued
Multitude of payment options makes store cards less relevant
WHAT’S NEXT?
Store card usage forecast to see steady growth, but fewer cards will be in circulation
Limited scope for innovation, with consumers having strict payment preferences
COMPETITIVE LANDSCAPE?
Co-branded credit cards are a more attractive route for store card providers
CATEGORY DATA
Table 139 Store Cards: Number of Cards in Circulation 2020-2025
Table 140 Store Cards Transactions 2020-2025
Table 141 Store Cards in Circulation: % Growth 2020-2025
Table 142 Store Cards Transactions: % Growth 2020-2025
Table 143 Store Cards: Number of Cards by Issuer 2020-2024
Table 144 Store Cards: Payment Transaction Value by Issuer 2020-2024
Table 145 Forecast Store Cards: Number of Cards in Circulation 2025-2030
Table 146 Forecast Store Cards Transactions 2025-2030
Table 147 Forecast Store Cards in Circulation: % Growth 2025-2030
Table 148 Forecast Store Cards Transactions: % Growth 2025-2030
COUNTRY REPORTS DISCLAIMER

Search Inside Report

Pricing

Currency Rates
How Do Licenses Work?

How Do Licenses Work?

The primary function of a report license is to define how many people within a company are authorized to use the purchased report. This is separate to how a report might be delivered. Unless specifically identified otherwise, the purchase option is Single User. Below is a helpful description of that license, along with a sampling of others most commonly offered.

  • This license allows only one user to have access to and to use/read the report. It is not one user at a time or one user group; it is an individual who will be reading and utilizing the report.

  • This license allows for the entire purchasing company to read and use the report. This is the license level that would allow for a report to be placed on an internal company shared drive for access by all employees of that direct company. This license does not extend to parent or sister company use.

  • This license is designed to allow an entire department within a company full access to a report. The departmental license is a great option for companies that have more than one location and the department is spread out all over the country/world

  • This license is for companies that have one location where they want the report to be accessible by all employees within that physical location.

  • This is the most flexible of the licensing options. Some publishers will allow you to get a license for a preset number of people (typically 5). These licenses are ideal for small work groups.

License options are at the discretion of each publisher. As such, not all licenses indicated above are available for every product. If you are uncertain of the best license for your needs or would like a license that is not proactively available, please contact us and we will be happy to assist.

Request A Sample
Head shot

Questions or Comments?

Our team has the ability to search within reports to verify it suits your needs. We can also help maximize your budget by finding sections of reports you can purchase.
Chat Now
Contact Us